The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$66,197
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,256
−HK$2,092/mo
Today · 4.125%
HK$70,348
baseline
▲ 0.50% · 4.625%
HK$74,629
+HK$4,281/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,696/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,644
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,619
−HK$2,004/mo
Today · 4.125%
HK$77,623
baseline
▲ 0.50% · 4.625%
HK$81,714
+HK$4,091/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,246/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,437
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,908
−HK$2,510/mo
Today · 4.125%
HK$84,418
baseline
▲ 0.50% · 4.625%
HK$89,555
+HK$5,137/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,836/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,373
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,743
−HK$2,404/mo
Today · 4.125%
HK$93,147
baseline
▲ 0.50% · 4.625%
HK$98,057
+HK$4,910/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,294/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,676
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$95,559
−HK$2,929/mo
Today · 4.125%
HK$98,488
baseline
▲ 0.50% · 4.625%
HK$104,481
+HK$5,993/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,976/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,101
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,866
−HK$2,806/mo
Today · 4.125%
HK$108,672
baseline
▲ 0.50% · 4.625%
HK$114,400
+HK$5,728/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,344/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,155
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,861
−HK$3,766/mo
Today · 4.125%
HK$126,627
baseline
▲ 0.50% · 4.625%
HK$134,332
+HK$7,705/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$253,254/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,559
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$136,114
−HK$3,607/mo
Today · 4.125%
HK$139,721
baseline
▲ 0.50% · 4.625%
HK$147,085
+HK$7,364/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$279,442/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,802 · Scale 2, in force from 26 Feb 2026)